Banca Monte dei Paschi di Siena SPA (IT:BMPS)
:BMPS
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Banca Monte dei Paschi di Siena SPA
(BMPS)
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Rating:68Neutral
Price Target:
€10.00
▲(9.17% Upside)
Action:ReiteratedDate:04/02/26
The score is driven primarily by improved financial performance (strong recent profitability and better leverage, tempered by volatile cash flows) and an exceptionally attractive valuation (very low P/E and high dividend yield). Technicals are a secondary headwind with weaker intermediate/longer-term trend signals and negative MACD.
Positive Factors
High profitability and margins
Sustained high margins through 2023–2025 indicate meaningful operational leverage and core earnings quality. Elevated net and operating margins support internal capital generation, strengthen the bank's ability to absorb shocks, and underwrite dividends or reinvestment over the next several quarters.
Negative Factors
Volatile cash flows
Large swings in operating and free cash flow across years create uncertainty for capital planning, provisioning and dividend sustainability. Volatility raises the risk that favorable 2025 cash generation may not persist, complicating medium-term liquidity and funding forecasts for a regional bank.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and margins
Sustained high margins through 2023–2025 indicate meaningful operational leverage and core earnings quality. Elevated net and operating margins support internal capital generation, strengthen the bank's ability to absorb shocks, and underwrite dividends or reinvestment over the next several quarters.
Read all positive factors
Banca Monte dei Paschi di Siena SPA (BMPS) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€27.50B
Dividend Yield9.69%
Average Volume (3M)35.85M
Price to Earnings (P/E)5.3
Beta (1Y)1.60
Revenue Growth10.29%
EPS Growth-0.75%
CountryIT
Employees16,678
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.44
Shares Outstanding3,038,418,200
10 Day Avg. Volume24,830,432
30 Day Avg. Volume35,845,048
Financial Highlights & Ratios
PEG Ratio-8.24
Price to Book (P/B)1.22
Price to Sales (P/S)3.41
P/FCF Ratio9.95
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€10.05Price Target Upside9.72% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)0.76
Revenue Forecast (FY)€7.91B
Banca Monte dei Paschi di Siena SPA Business Overview & Revenue Model
Company Description
Banca Monte dei Paschi di Siena S.p.A. provides retail and commercial banking services primarily in Italy. The company operates through Retail Banking, Corporate Banking, and Wealth Management segments. It offers funding and lending services, insu...
How the Company Makes Money
BMPS generates revenue mainly through a traditional universal-banking model. A core source of earnings is net interest income: the bank collects funds (e.g., from customer deposits and other funding sources) and lends or invests them (e.g., loans ...
Banca Monte dei Paschi di Siena SPA Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
56
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.74B | 6.56B | 6.01B | 3.91B | 3.86B |
| Gross Profit | 4.34B | 4.20B | 3.94B | 3.29B | 3.18B |
| EBITDA | 2.26B | 1.66B | 1.93B | -386.55M | 503.95M |
| Net Income | 3.04B | 1.95B | 2.05B | -178.36M | 309.51M |
Balance Sheet | |||||
| Total Assets | 129.34B | 122.60B | 122.61B | 120.24B | 137.87B |
| Cash, Cash Equivalents and Short-Term Investments | 15.02B | 14.40B | 15.58B | 13.60B | 23.05B |
| Total Debt | 11.47B | 12.53B | 12.94B | 10.30B | 12.74B |
| Total Liabilities | 116.11B | 110.95B | 112.63B | 112.37B | 131.69B |
| Stockholders Equity | 13.22B | 11.65B | 9.98B | 7.86B | 6.17B |
Cash Flow | |||||
| Free Cash Flow | 1.62B | -860.42M | 1.66B | 8.32B | -662.86M |
| Operating Cash Flow | 1.74B | -792.00M | 1.77B | 8.38B | -551.54M |
| Investing Cash Flow | 824.66M | 39.15M | 7.08M | 44.09M | -69.07M |
| Financing Cash Flow | -1.18B | -315.03M | -2.73M | 2.37B | 42.93M |
Banca Monte dei Paschi di Siena SPA Technical Analysis
Positive
9.16
Price Trends
7.95
Positive
8.29
Positive
7.96
Positive
Market Momentum
0.26
Negative
75.81
Negative
92.52
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:BMPS, the sentiment is Positive. The current price of 9.16 is above the 20-day moving average (MA) of 7.76, above the 50-day MA of 7.95, and above the 200-day MA of 7.96, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 75.81 is Negative, neither overbought nor oversold. The STOCH value of 92.52 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:BMPS.
Banca Monte dei Paschi di Siena SPA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | €100.41B | 10.67 | 14.41% | 6.08% | -8.94% | 11.50% | |
74 Outperform | €26.14B | 12.53 | 13.48% | 6.09% | 12.48% | 14.40% | |
73 Outperform | €5.12B | 8.39 | 13.87% | 6.23% | -8.61% | 0.15% | |
68 Neutral | €27.50B | 5.31 | 19.13% | 9.69% | 10.29% | -0.75% | |
66 Neutral | €18.72B | 5.75 | 18.92% | 8.25% | -10.25% | 8.52% | |
65 Neutral | €98.95B | 10.29 | 16.32% | 4.15% | 0.31% | 16.61% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:BMPS
Banca Monte dei Paschi di Siena SPA
9.05
2.43
36.61%
IT:UCG
UniCredit SpA
65.62
17.00
34.97%
IT:BAMI
Banco BPM S.p.A.
12.39
3.86
45.30%
IT:BPE
BPER Banca S.p.A.
12.53
6.01
92.03%
IT:CE
Credito Emiliano SPA Credem
15.06
3.69
32.49%
IT:ISP
Intesa Sanpaolo SpA
5.78
1.40
32.12%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.